Select My Policy - Medicare is an important part of a senior’s health care plan. However, deductibles, co-payments, and other services are some of the costs not included in the coverage available through Medicare. The more risk you transfer to the insurance company (whether by choice or government force), the more expensive that transfer will be. So, in order to make that transfer more affordable it’s important to not look at Select My Policy - Medicare as replacing all medical expenses. Buy insurance to protect your family from serious financial disruption should a significant healthcare need arise (i.e. major surgery, lengthy hospital stays, disability, etc.).